1999 GMC Suburban Insurance Rates – 6 Tricks for Cheaper Quotes

Want the cheapest auto insurance rates for your GMC Suburban? Are you irritated from sacrificing other expenses to make your auto insurance payment? Your situation is no different than millions of other drivers. Numerous insurers battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

It is always a good idea to quote other rates on a regular basis since prices change regularly. Despite the fact that you may have had the best deal for Suburban coverage six months ago other companies may now be cheaper. There is a lot of bad information regarding auto insurance online but we’re going to give you some good information on how to lower your auto insurance bill.

Take advantage of every auto insurance discount

Auto insurance companies don’t always advertise every disount available in a way that’s easy to find, so we break down both well-publicized and the more hidden discounts that you may qualify for.

• Accident-Free Discounts – Drivers who don’t have accidents pay much less as compared to bad drivers.
• Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
• Multi-Vehicle Discounts – Drivers who insure more than one vehicle with one company qualifies for this discount.
• Homeowners Pay Less – Simply owning a home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Full Payment Discount – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.

As a disclaimer on discounts, most credits do not apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. So even though you would think you could get a free auto insurance policy, you’re out of luck.

A list of companies and their offered discounts are included below.

• Travelers offers premium reductions for hybrid/electric vehicle, early quote, new car, multi-car, and payment discounts.
• 21st Century offers discounts for anti-lock brakes, theft prevention, student driver, air bags, early bird, good student, and automatic seat belts.
• State Farm policyholders can earn discounts including accident-free, defensive driving training, passive restraint, good driver, and multiple autos.
• Geico has savings for membership and employees, anti-lock brakes, driver training, military active duty, and multi-policy.
• SAFECO offers discounts including accident prevention training, anti-theft, anti-lock brakes, teen safe driver, and safe driver.
• AAA may have discounts that include good student, education and occupation, good driver, multi-car, AAA membership discount, multi-policy, and pay-in-full.

When getting a coverage quote, ask all companies you are considering what discounts are available to you. A few discounts may not apply to policyholders in your area. To find insurance companies that offer many of these discounts, follow this link.

How to know if you need help

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining whether or not you could use an agent’s help.

• Do I need PIP (personal injury protection) coverage in my state?
• Are rental cars covered under my policy?
• Is my state a no-fault state?
• Will I be non-renewed for getting a DUI or other conviction?
• Should I sign the liability waiver when renting a car?
• Exactly who is provided coverage by my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Insurance policy specifics

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.

Auto collision coverage

This will pay to fix damage to your Suburban from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter, damaging your car on a curb, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, theft and falling objects. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from damage or injury you incur to people or other property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, repair costs for stationary objects, pain and suffering, legal defense fees and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your GMC Suburban.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like funeral costs, hospital visits, doctor visits, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Be Smart and Buy Smart

In this article, we presented many ways to get a better price on 1999 GMC Suburban insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from the least-expected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

When you buy car insurance online, do not skimp on coverage in order to save money. There have been many situations where someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best cost and still be able to protect your assets.

Additional information can be read at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)